We have one car, it is insured, if our daughter drives it with permission, does she need insurance in KY.

We understand that if we give permission to our daughter to drive our car, she is covered by our policy. Is that correct? We have one car and 2 adult drivers. Our 20 year old daughter makes the third driver for the same car. Do we need to add her to our insurance or is she covered because we give her permission to drive the car. She just got her licence.